Impact to customers

Differences between withdrawn and new riders (for policy renewals before 1 April 2021)

Benefits^ Plus Rider Deluxe Care Rider
Deductibles and co-insurance Does not apply
Co-payment Not applicable 5% of the benefits due under your policy
Co-payment limit (each policy year) Not applicable Panel[1]: Up to S$3,000
Non-panel: No limit
Additional non-panel payment (each policy year) Not applicable Panel[1]: Does not apply
Non-panel: S$0#
Extra bed benefit Refund up to S$80 per day (up to 10 days for each hospital stay) if the parent/guardian stays in the hospital with the insured child2 (aged 18 or younger)
Hospital Cash Benefit Yes. If the ward admitted is lower than the entitled ward, Income will pay:
- Enhanced Preferred: S$150/day (for Restructured hospital ward class B1, B2 or C)
- Enhanced Preferred: S$125/day (for Restructured hospital ward class A)
- Enhanced Advantage: S$100/day (for Restructured hospital ward class B1, B2 or C)
- Enhanced Basic: S$75/day (for Restructured hospital ward class B2 or C)
Not applicable

# Income may apply an additional non-panel payment to the Deluxe Care Rider at the renewal date by giving at least 30 days’ notice.

Benefits^ Assist Rider Classic Care Rider
Deductibles and co-insurance Does not apply
Co-payment 10% of all benefits due under the policy
Co-payment limit (each policy year) Applicable to all claims.
Subject to a maximum co-payment limit in each policy year:
- Enhanced Preferred/Plan P: S$3,000
- Enhanced Advantage/Plan A: S$2,500
- Enhanced Basic/Plan B/Standard Plan: S$2,000
- Enhanced C/Plan C: S$1,500
Panel[1]: Up to S$3,000
Non-panel: No limit
Additional non-panel payment (each policy year) Not applicable Panel[1]: Does not apply
Non-panel: Up to S$2,000
Extra bed benefit Refund up to S$80 per day (up to 10 days for each hospital stay) if the parent/guardian stays in the hospital with the insured child2 (aged 18 or younger)
Hospital Cash Benefit Yes. If the ward admitted is lower than the entitled ward, Income will pay:
- Enhanced Preferred: S$150/day (for Restructured hospital ward class B1, B2 or C)
- Enhanced Preferred: S$125/day (for Restructured hospital ward class A)
- Enhanced Advantage: S$100/day (for Restructured hospital ward class B1, B2 or C)
- Enhanced Basic: S$75/day (for Restructured hospital ward class B2 or C)
Not applicable

^ Terms and conditions apply.

Withdrawn riders (for policy renewals from 1 April 2021)

With Plus Rider[3] you will have to make a co-payment of 5% of the benefit due under your policy, up to a co-payment limit of $3,000 for each policy year if the treatment is provided by our panel[1].

With Assist Rider[3] you will have to make a co-payment of 10% of the benefit due under your policy, up to a co-payment limit of $3,000 for each policy year if the treatment is provided by our panel[1].

Only downgrade from Plus Rider to Assist Rider for existing policyholders is allowed.

Your queries answered.

This rider has been withdrawn for new applications as of 1 Mar 2019. Daily Cash Rider provides you with additional cash benefit for each day you are hospitalised, and a get-well benefit upon your discharge, based on the plan type you are insured under.

Benefit TypePreferred/ Plan PAdvantage/ Plan ABasic/Enhanced C IncomeShield Standard Plan /Plan B/Plan C
Daily cash benefit (each day)$150$100$50
Get-well benefit$300$250$100

For Day Surgery, the Daily Cash benefit will be paid only if the surgery is done in a Restructured or Private Hospital in Singapore, with at least one day Room and Board charged.

You must be hospitalised for at least 48 hours in order to claim for the get-well benefit. You must also survive the hospitalisation.

The waiting period is 30 days from the start date or the last reinstatement date (if any) of the Daily Cash Rider.

You can claim under the Daily Cash Rider for hospitalisation in Singapore only.

  • Inpatient Psychiatric Treatment
  • Pregnancy Complication
  • Congenital Abnormalities
  • Emergency Overseas Treatment

The Daily Cash Rider will only pay for one day under the Daily Cash benefit.

If you have been discharged from the hospital for a continuous period of more than 90 days, any subsequent hospitalisation for the same accident or illness from the same confirmed diagnosis will be treated as arising from a separate or different accident or illness.

Scenario A: Your 1st hospitalisation is 200 days. After you get discharged, more than 90 days has passed before your 2nd hospitalisation of 200 days. The benefit payable will be 400 (200+200) days.

Scenario B: Your 1st hospitalisation is 200 days. After you get discharged, 90 days or shorter has passed before your 2nd hospitalisation of 200 days. The benefit payable will be 365 (265 + 100) days.

Note: Above examples do not apply to stay in community hospitals.

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